100,000's of Government Jobs

Search Government Jobs

Job Field: Government Jobs
Location: SAN BERNARDINO, CA
Salary: $Not stated

JOB SUMMARY:

---

</tr>
<tr><td valign="top" width="450"><b>At Wells Fargo, people are our competitive advantage. For over 160 years, we have been helping our customers succeed financially and offering superior service. It s not just our mission, it s our passion. And we know it begins with outstanding talent. We ve built our team of top mortgage professionals by rewarding their accomplishments and by ensuring they have the tools, training, and coaching to succeed even farther.  Wells Fargo Home Mortgage is the nation s number one retail mortgage lender. In the ever-dynamic mortgage environment, you want to be with a lender who has the strength, stability, and reputation to grow your career.  Join a Company that Values You by: - Providing you the best in class on-boarding and on the job training curriculum. - Encouraging you to exercise expert judgment in formulating your credit decisions. - Utilizing a state of the art paperless origination and underwriting system that will help improve your quality while enhancing the customer experience. - Rewarding you through competitive compensation and incentive plans.  Responsibilities of the Senior Portfolio Underwriter 4 will focus on decisioning loans originated through our Joint Venture channel and include: - Underwriting high dollar loans (jumbo and super-jumbo) with higher aggregate credit exposure. - Responsible for reviewing, analyzing, approving and underwriting difficult, complex individual consumer requests and products within company and industry guidelines.  Other typical functions include: - Reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value). - Examining transactions to ensure accuracy and completeness. - Preparing formal reports for review. - Ensuring that documents are consistent and uphold to company and industry guidelines. - Implementing fraud detection techniques, performing compliance reviews. - Assisting with re-negotiations of loans based on lending guidelines. - Serving as a consultant/technical resource on difficult problems and questions. - Handling escalated calls: providing work direction, feedback and training to underwriting staff including mentoring lower level underwriters on credit decisioning, department procedures and policies. - Delivering/facilitating of technical training to ensure organizational consistency. - Has exception authority. May act as a team lead and provide performance feedback to less senior underwriters. - May act as backup in absence of Supervisor.  Take your career as far as your ambition and desire will carry you. Join our team today !Basic Qualifications: 5+ years underwriting experience.Minimum Qualifications: Extensive underwriting experience which includes but not limited to: - Jumbo and/or super-jumbo lending experience. - Advanced income analysis which includes experience in reviewing Self employment, Corporate, and Partnerships tax returns. - Advanced asset analysis and experience working with all types, and extensive experience with layering risk and evaluation. - Thorough understanding of underwriting policies and procedures, including investor guidelines and regulatory updates. - Prior experience underwriting/signing authority of $1.0MM or higher. - Experience with exception authority, second level reviews, government / conventional exceptions. - Ability to handle confidential material in a professional, highly ethical manner. - Excellent verbal and written communication skills and possess a high degree of attention to detail. - Strong interpersonal skills to build and maintain professional relationships with clients, customers, and co-workers. - Time management and organization skills to effectively prioritize multiple objectives and achieve volume goals. - Experience in talking with the borrower about loan decision. - Must be able to work in a production/flexible environment. - Work overtime as needed. - Intermediate PC and keyboarding skills, including experience with Windows operating systems. This position requires complian

KEY REQUIREMENTS:

---

Not stated